Which type of loan is typically not discharged even when declaring bankruptcy?

Student loans are typically not discharged even when declaring bankruptcy due to specific legal protections that have been established in many jurisdictions. In the U.S., for example, the law recognizes student loans as special obligations that are meant to promote educational access and support, preventing borrowers from easily eliminating this type of debt through bankruptcy proceedings.

Generally, for a student loan to be discharged in bankruptcy, the borrower must demonstrate undue hardship, which can be quite challenging. This is contrasted with most other types of debt, such as credit card debt, personal loans, or even mortgages, which can often be discharged in bankruptcy under various conditions. Thus, the enduring nature of student loans in bankruptcy underscores their distinctive treatment in the realm of debt management and legal statutes.